Three parties, zero clear answers
When something goes wrong with an autonomous agent, there are usually three parties in the room: the model provider, the developer who built the agent, and the end user who deployed it. None of them have a complete picture. All of them have skin in the game.
The model provider ships a general-purpose system. It does not know what tasks the agent will be assigned, what tools it will be given, or what environment it will operate in. Liability here is hard to pin down, and providers work hard through terms of service to keep it that way.
The developer who wraps that model into a product has more responsibility. They chose the tools the agent can access. They wrote the system prompt. They decided how much latitude the agent gets to act without confirmation. If the agent was given a browser-use tool with no sandboxing, no action limit, and no confirmation step before writing to a third-party system, that is a design decision. A consequential one.
The end user is the most exposed. They gave the agent a task, possibly without understanding what it could actually do to achieve it. Consumer-facing agents often obscure capability. The booking interface said something like "let our AI handle it." It did not say "our AI may probe your target website for exploitable endpoints."
Right now, across most jurisdictions, the legal framework has not caught up. The EU AI Act introduces risk classifications and places obligations on providers and deployers, but the specifics of agentic behaviour in real-time environments are still being interpreted. Courts have not yet produced a body of case law. The default, for now, is that developers carry the most practical exposure, even if the legal theory is unsettled.